Nog and Mith, as someone who's younger than you, I'd like to point out two things.
One: You are not that old. (And you're adorable anyway, so I suppose that's 1a.)
Two: I, too, am stupidly trusting, Noggins. Someday we will both be poor(er) and confused about it, but smiling because we truly believe we've helped underprivileged child X in country Y that we can't find on a map but believe is there anyway. We're just nice like that! (And for the record, no, I've not actually done that. I just figured it would be a different example to the "your uncle leaves you money" scenario our dear Nog provided.)
Three (which has nothing to do with neither my age nor you two): I wish I could throw money at the Downs like confetti. I may not be a Tolkien geek but I love playing Werewolf here more than anywhere else and if I had any money to spare I'd send it the wight way in an instant. And the wight way is Paypal.
(Sorry, I couldn't resist. Hosting fees. Hosting fees are what bwing us togevvah today....)